Grade A · 0% of disclosures flagged for junk fees
Credit Union · Virginia · NMLS #312613
Avg Closing Costs
$5,627
median across reports
vs. National Average
66%
above national avg
Avg Origination Charge
$3,051
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $3,051 | $1,584 | 🔺 High |
| discount_points | $2,837 | $2,242 | 🔴 Above Avg |
| Title Insurance | $2,685 | $3,111 | 🟢 Below Avg |
| Underwriting Fee | $1,286 | $1,473 | 🟢 Below Avg |
| lender_credits | $1,221 | $428 | 🔺 High |
| Appraisal | $965 | $1,081 | 🟢 Below Avg |
| Settlement/Closing Fee | $852 | $986 | 🟢 Below Avg |
| Processing Fee | $680 | $790 | 🟢 Below Avg |
| Title Search | $340 | $392 | 🟢 Below Avg |
| Rate Lock Fee | $339 | $376 | 🟡 Average |
| Recording Fee | $294 | $344 | 🟢 Below Avg |
| Document Preparation | $126 | $147 | 🟢 Below Avg |
| Tax Service Fee | $110 | $128 | 🟢 Below Avg |
| Credit Report | $60 | $69 | 🟢 Below Avg |
| Wire Transfer Fee | $60 | $69 | 🟢 Below Avg |
| Courier/Delivery | $52 | $58 | 🟢 Below Avg |
| Flood Certification | $20 | $23 | 🟢 Below Avg |
Got a Loan Estimate from Pentagon Federal Credit Union? See if your rate and fees are competitive.
Check My Loan Estimate — $19Navy Federal Credit Union
Credit Union · VA
Prosperity Home Mortgage, LLC
Mortgage Company · VA
Rocket Mortgage
Mortgage Company · MI
Pennymac
Mortgage Company · CA
Based on 3,857 homebuyer-submitted Closing Disclosures, Pentagon Federal Credit Union's median total closing costs are $5,627. This is about 66% above the $3,383 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
Are Closing Costs Negotiable?
Which fees you can push back on and how to do it.
What Are Junk Fees on a Mortgage?
Spot the charges that pad lender profits.
How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
Closing Costs in Virginia
State-specific benchmarks for Virginia.
Got a Loan Estimate from Pentagon Federal Credit Union?
Upload your Loan Estimate and Fair Loan Check flags inflated fees, benchmarks your rate, and gives you a ready-to-send negotiation email — in about 60 seconds.
Compare Pentagon Federal Credit Union with another lender
See how closing costs compare side-by-side
Aggregates from Pentagon Federal Credit Union's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
2,402
Ranked #190 nationally
Median Total Costs
$6,206
−7.1% vs national ($6,680)
Median Rate
6.125%
−5.6% vs national (6.490%)
Median Origination
$1,995
Median Lender Credits
$1,000
Cost Rank (500+ vol.)
#298
among lenders with 500+ originations
Denial Rate
30.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,121 | 6.375% | $5,605 | $1,995 |
| va | 1,063 | 5.875% | $6,696 | $995 |
| fha | 218 | 5.875% | $11,084 | $1,995 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 300 | 6.000% | $6,566 | #158 |
| Virginia | 251 | 6.000% | $5,730 | #69 |
| Florida | 233 | 6.000% | $7,161 | #145 |
| Puerto Rico | 144 | 5.750% | $9,353 | #15 |
| Maryland | 123 | 6.125% | $6,586 | #87 |
| North Carolina | 118 | 6.125% | $5,577 | #140 |
| Georgia | 104 | 6.125% | $5,857 | #139 |
| Kansas | 95 | 6.125% | $4,290 | #68 |
| Pennsylvania | 91 | 6.250% | $5,957 | #168 |
| Tennessee | 70 | 6.125% | $6,017 | #156 |
| California | 61 | 6.125% | $6,707 | #244 |
| New York | 59 | 6.125% | $6,057 | #144 |
| New Jersey | 57 | 6.250% | $7,255 | #145 |
| Ohio | 57 | 6.125% | $5,644 | #177 |
| South Carolina | 47 | 6.000% | $4,890 | — |
| Alabama | 45 | 6.125% | $4,336 | — |
| Illinois | 43 | 6.125% | $6,821 | — |
| Arizona | 37 | 6.000% | $7,475 | — |
| Colorado | 31 | 5.875% | $4,975 | — |
| Missouri | 31 | 6.125% | $4,450 | — |
| Michigan | 30 | 6.125% | $4,663 | — |
| Washington | 28 | 6.000% | $8,074 | — |
| Indiana | 23 | 6.250% | $3,779 | — |
| West Virginia | 20 | 6.125% | $5,527 | — |
| Arkansas | 19 | 6.125% | $4,465 | — |
| Massachusetts | 19 | 6.125% | $6,155 | — |
| Oklahoma | 19 | 5.750% | $7,387 | — |
| Wisconsin | 19 | 6.125% | $4,096 | — |
| Nevada | 18 | 5.938% | $6,085 | — |
| Nebraska | 17 | 6.125% | $5,370 | — |
| Delaware | 16 | 5.938% | $6,955 | — |
| Kentucky | 16 | 6.312% | $4,791 | — |
| New Mexico | 16 | 5.875% | $4,920 | — |
| Minnesota | 15 | 6.250% | $4,571 | — |
| Mississippi | 15 | 6.125% | $7,795 | — |
| Oregon | 14 | 6.062% | $6,620 | — |
| District of Columbia | 11 | 6.250% | $6,261 | — |
| Utah | 11 | 6.000% | $6,564 | — |
| Louisiana | 10 | 6.250% | $6,103 | — |
| Connecticut | 9 | 6.250% | $6,585 | — |
| Hawaii | 7 | 5.500% | $7,792 | — |
| Maine | 7 | 6.125% | $4,509 | — |
| Montana | 7 | 5.500% | $6,786 | — |
| New Hampshire | 7 | 5.750% | $9,492 | — |
| Wyoming | 7 | 6.500% | $4,768 | — |
| Alaska | 6 | 5.750% | $5,271 | — |
| Iowa | 6 | 6.188% | $4,871 | — |
| Idaho | 4 | 5.875% | $4,565 | — |
| Rhode Island | 4 | 6.188% | $5,415 | — |
| South Dakota | 2 | 5.938% | $2,488 | — |
| Vermont | 2 | 6.188% | $8,453 | — |
| North Dakota | 1 | 6.375% | $7,112 | — |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,566 | $8,397 | $6,680 |
| Interest Rate | 6.000% | 6.250% | 6.490% |
| Originations in state | 300 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Pentagon Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $365,000 | $335,000 | +$30,000 (+9.0%) |
| Median total closing costs | $6,206 | $7,127 | −$921 (−12.9%) |